Legal

Terms of Service

Effective date: September 15, 2026

Please read these Terms of Service ("Terms") carefully before using the website at zsf-insurance.com (the "Site") or any services offered by ZSF Insurance Agency & Brokerage ("ZSF Insurance," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using the Site you represent that you meet these requirements.

2. Services Description

ZSF Insurance is a licensed insurance agency and brokerage. Through the Site we facilitate commercial insurance solutions — including trucking, commercial auto, general liability, workers' compensation, and BOP coverage — by connecting businesses with licensed carriers and underwriters. We act as an intermediary; the actual insurance contract is between you and the insurance carrier.

3. Not Legal or Financial Advice

Information provided on this Site — including coverage descriptions, premium estimates, and policy guidance — is for general informational purposes only and does not constitute legal, financial, or professional insurance advice. You should consult a qualified professional before making any insurance or business decisions. Quote estimates are not binding until confirmed in writing by a licensed carrier.

4. Account Registration

To access certain features you may need to create an account. You agree to:

  • Provide accurate and complete information when registering
  • Keep your account credentials confidential
  • Notify us immediately of any unauthorized use of your account
  • Be responsible for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

5. Acceptable Use

You agree not to:

  • Use the Site for any unlawful purpose or in violation of any regulations
  • Submit false, misleading, or fraudulent information in any application or form
  • Attempt to gain unauthorized access to any part of the Site or our systems
  • Interfere with the operation of the Site or other users' access to it
  • Scrape, copy, or redistribute Site content without our written permission
  • Use the Site to transmit spam, malware, or other harmful content

6. Accuracy of Information

You are responsible for the accuracy of all information you submit to us. Providing false or incomplete information on an insurance application may result in denial of coverage, cancellation of a policy, or denial of a claim. We are not liable for outcomes resulting from inaccurate information you provide.

7. Intellectual Property

All content on the Site — including text, graphics, logos, and software — is the property of ZSF Insurance or its licensors and is protected by applicable copyright and trademark laws. You may view and print content for personal, non-commercial use only. Any other use requires our prior written consent.

8. Third-Party Services

The Site may integrate with or link to third-party services. Your use of those services is governed by their own terms and privacy policies. We are not responsible for the content or practices of third-party sites.

9. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ZSF INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

11. Indemnification

You agree to indemnify, defend, and hold harmless ZSF Insurance, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or related to your use of the Site or your violation of these Terms.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Los Angeles County, California.

13. Changes to These Terms

We may update these Terms from time to time. We will post the revised Terms on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

14. Termination

We reserve the right to suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

15. Contact Us

If you have questions about these Terms, please contact us:

ZSF Insurance Agency & Brokerage
Email: legal@zsf-insurance.com
Phone: (626) 677-6280

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